re: Is anywhere still offering low interest (3.5%) COVID personal loans?

quote:

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I'll bite. What has been your situation change to where you need a short term solution? What is going to change to get you out of this situation?

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Kid #2 born the same month my job company decided to do away with my position and gave me a severance. I make 10% less than I did (but I am happier and have more free time with family)

Kid #1 will be out of day care in 1.5 years.

When my job was lost, my wife and I spent a full day budgeting and cutting unnecessary expenses and wants vs needs. We make a monthly food calendar and grocery shop in bulk. We reevaluate our budget every quarter or so.

At this point I feel the only other option is to reduce our retirement contributions or take out a loan